PIAM's Complaints Action Bureau / Financial Mediation Bureau can also assist to resolve any consumer complaints from either policyholders or third parties against its member companies.

In instances when the complaint remains unresolved, the Complainant may be recommended to refer the matter to the Financial Mediation Bureau.

Points to remember

When making complaints to either the Financial Mediation Bureau or to PIAM's Complaints Action Bureau, you can ask for your complaint to be investigated into if:

• your insurance policy is with a company which is a member of the PIAM or the Financial Mediation Bureau (FMB). All PIAM members are members of FMB.

• you and your insurer have failed to reach agreement and it is within six months of the final decision of the senior management.

• you have not started legal proceedings.